| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W KENNEDY BLVD. STE 850 TAMPA, FL 33609 | BLUE CROSS BLUE SHIELD OF FLORIDA | $78K | — | $78K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W. KENNEDY BLVD STE 850 TAMPA, FL 33609 | TRULI-HMO | $34K | — | $34K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD. TAMPA, FL 33609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | — | $59K | 15.68% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $195 | $195 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W. STATE ROAD 84 SUITE 201 DAVIE, FL 33324 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 8.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. STE 300 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DRIVE STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.67% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 154 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $185K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $185K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 304 | $377K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 304 | $377K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 304 | $377K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 154 | $2.2M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 304 | $562K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.